Sberbank imposed a credit card, what should I do? Classic card What to do when they impose a credit card

Have you been forced to use a Sberbank credit card? Or they sent it by mail, but you don’t need it. And you don’t know what to do in such cases? Read on to learn how to refuse it wisely so as not to end up in debt.

Everyone perceives an additional service with an offer to issue a credit card from Sberbank differently. Some people find it very profitable and timely, while others are simply outraged by what is happening. The offer does not come to everyone. The privilege is granted primarily to bank clients, as well as existing borrowers on consumer, housing and car loans. They have the opportunity to issue an instant Credit Momentum credit card or personalized “plastic” with a credit limit of up to 200 thousand rubles. They offer preferential service and a rate of 25.9%.

Credit cards are sent centrally through the “Credit Card by Mail” promotion. If the “plastic” is not activated within a specific period of time, then the bank’s offer is automatically canceled. If you do not need the service being imposed, then the credit card can be destroyed by simply cutting it, touching the magnetic strip. And be sure to notify the bank of the refusal by contacting the Sberbank contact center or writing an email.

Sberbank can terminate the agreement unilaterally, but only if the tariff plan for servicing the credit card is free.

Is the card already in your hands and is it activated? Even if you do not use it, the bank, according to the agreement, will write off the issuance and maintenance fees. How to get rid of unnecessary “plastic”? Write. First, you need to check the financial status of the credit card and unlink paid services. Debt, even for an unused card, appears due to the amounts for issuance and maintenance. After terminating the credit relationship with the bank, obtain a certificate confirming the absence of credit obligations to the lender.

Have you used your Sberbank credit card for the expiration date and no longer want to continue using credit? In this case, a month before the expiration date of the card, you should notify the bank about this. Otherwise, the bank will issue a new one.

When issuing a salary card, the employee is often given a card with a certain loan amount or. Why is that? The type of salary cards is chosen by the company administration, which signs a service agreement with the bank. If the situation is not satisfactory, the problem can be solved in two ways:

1. Write an application to Sberbank to cancel the credit limit and set a threshold of 0 rubles.
2. Close a credit account and open a debit account. Provide the accounting department with the details of the new account and write a corresponding application.

Any banking institution has its own policy of marketing and promoting its services. An offer to issue a credit card from the bank is received via SMS, through calls and during a visit to a branch of the credit institution. This imposition is due to the fact that bank employees receive a bonus for each “plastic” issued. And, as in the sales field, there is a plan execution system.

Problem

Hello! The essence of the problem is that at the place of work they exchanged Sberbank salary cards for new ones with a higher degree of protection. Standard exchange applications were previously signed. On the appointed day they told me to come with my passport, the bank representative took the passport, photographed the spread with the photo and gave me to sign the statement. Only after this it turned out that I had signed for a “Gold” credit card dated 12.2012 (the card was issued on 01.23.2013). They refused my request to pick up the card, citing the fact that I had signed the statement. How can I return my credit card back to the bank with minimal losses?

I may have misrepresented the essence of the matter. There were two cards - first, against a signature on the statement, they issued a credit card, about which there was no discussion (I saw it only when I signed the statement), and then they gave me a salary card. When I said that the loan was for me not needed, the bank representative said that these are very profitable cards, with a low interest rate and free service for the first 50 days (I suspect that at the time the card was issued, the preferential 50 days had already expired). From the words of the employee, I found out that on this card I have 200,000 rubles lying around. I have never used bank loans, and I want to return this credit card to the bank with minimal losses for myself.

Good afternoon This is the practice of Sberbank. A salary card is issued and then a debit card. If you do not use this card, then only the card limit is provided. For example, in this case, 200,000 rubles. If you do not activate the card, then your credit history is not open. You can get information through the website http://www.sbrf.ru

Solution

Hello,

The type of cards is chosen by the management of the organization signing a service agreement with a commercial bank. Payroll credit cards can be issued with or without an overdraft. When using an overdraft on a card in an amount that does not exceed the average monthly earnings, the debt amount is written off automatically when funds are received on the card. The agreement concluded between the company and the bank also stipulates service rates, which depend on the type of card chosen. You were informed about the terms of the loan, whether there is interest for cash withdrawals (usually can be established in the case of using bank funds), interest accrued for using bank funds, as well as the grace period during which no interest is accrued. In some cases, using a credit card is quite convenient.

But if this does not suit you, then there are 2 ways to solve this problem. 1. Try contacting the bank and writing an application to cancel the credit limit and set a threshold of 0 rubles (usually they have special forms, or in free form). 2. Close this account and open a new one in the same bank - current (debit). Please provide the details for transferring your salary to THIS card along with your application to the accounting department.

I found myself in an unpleasant situation. I have a Sberbank salary card, and suddenly in the Internet bank I discover that a credit card has appeared that is “to be issued.” I didn’t ask for a credit card, Sberbank is trying to sell it to me. So what should I do?

I wrote a complaint on the Sberbank website demanding that this credit card be removed because I did not order it and demanding that the employee who issued this credit card be punished. Complaint number 000913-2013-027931

Yesterday I finally received an answer to my complaint! The card was not removed. They didn’t understand that I didn’t need the card, they weren’t going to punish anyone, but the only answer was how to get this card! Just a mockery. Here is the response to the complaint:

"OJSC Sberbank of Russia informs you of the following in response to your request. During the claim work, it was established that a credit card was issued in your name<номер>within the framework of the "Credit Card by Mail" company. We inform you that credit cards delivered by mail are issued to bank clients - salary card holders. Credit cards are sent by the bank to home addresses centrally, using the Russian Federal Postal Network - Russian Post. To activate a credit card, you must contact any structural unit. Credit cards are packaged in envelopes, complete with an information letter. The credit card activation period is 135 days from the date of issue. If the client does not have time to activate the credit card before the date specified in the information letter, then the bank’s offer to activate the credit card is automatically canceled. We apologize for the inconvenience caused and hope that our explanations will help you to successfully use our services in the future."

I wrote another complaint, indicating that my first complaint was not considered, the answer was not related to my question, and again indicated that I did not need a credit card. Now, probably, again in a month you will receive an answer, which will again tell you how to get this credit card.

What should I do? I started reading on the Internet, the only thing that helps is contacting the prosecutor’s office, only then does Sberbank begin to move. Tell me, HOW TO REFUSE AN UNISSUE CARD? They write that you cannot write an application to refuse the card, since the card has not been received in your hands. I think it’s clear that I won’t receive it in my hands. I hope Sberbank employees will not be able to send me this card by mail, since I wrote a refusal to process personal information on a special form at a Sberbank branch a couple of months ago. I think as an option, ask the branch for a form to close all accounts except the salary card account.

If there really are representatives of Sberbank on this site, tell me how to cancel this unissued card so that it never exists again? Without waiting months, according to the application? I’ve already written two applications, the card is still hanging, and your Sberbank didn’t even understand that I don’t need this card. At the branch of your Sberbank they will not allow me to write a refusal of the card, since the card was not issued to me, I read this answer from a Sberbank representative on this website in a situation similar to mine. So how do you cancel this loan? Who has already been in this situation, tell me what to do? Well, it’s just an indecent imposition of services!

Hello dear readers. The topic of today's article is the Mir bank card.
You all remember that some time ago Western countries imposed sectoral sanctions on many Russian banks. It is for this reason that the government of the Russian Federation made a timely decision to form the National Payment Card System and issue bank plastic cards under the NSPK.

National Plastic Card System (NSCP)

Banks with the best credit cards in 2017

NSPK system

The NSPK system has been implemented since the beginning of 2014, and today the operational and payment clearing center for processing bank card transactions has concluded agreements with payment systems of other countries for the transfer of domestic Russian transactions to the national processing center.

Transferred to NSPK:

• June 19, 2015 from MasterCard using Maestro cards;
• July 7, 2015 with Japanese JCB system.
• In July 2015 with the American system American Express.

World map release

Since December 2015, most Russian banks have been involved in issuing the world card. Among them are:

• Gazprombank;
• SMP Bank;
• MDM Bank;
• Communication Bank;
• Sberbank;
• Bank Russia.

As of May 2017, there are more than 300 issuing banks.
Sberbank of Russia joined the issue of Mir payment cards in the second half of 2016.
Currently, the range of available services on the Mir card, issued by Sberbank of Russia, is presented quite widely. We will look at this list in detail below.
The world map is presented on the Russian banking market in several versions.

Debit card

Since the national payment system began operating not so long ago, the list of banks issuing the Mir card is constantly expanding. Before ordering, an ordinary client needs to familiarize himself with the list of banks that are represented in his region. This is not entirely convenient. It is much easier and more reliable to use the service of issuing a plastic bank card from a time-tested bank. In this case, we are talking about Sberbank.
Please note: the Sberbank World Card is most actively distributed in Moscow and the Moscow region.
Well, a list of Sberbank branches in your region or city can be found at this link.

Credit

With the development of the banking sector, it will be possible to get a Mir bank card in the form of a credit card.
As you already understand, in terms of functionality, the Mir bank card is practically no different from a regular credit card. And therefore, all the documentation that the bank presents to the borrower will be similar:

• The client needs to confirm his official income.
• Provide identification.
• Certificate 2-NDFL.

Please note that if you receive a Mir credit payment card from Sberbank, but are not participants in the salary program, that is, do not receive wages into an account with this bank, then you will need to provide additional documentation.

How to get a world map

To obtain a world card, Sberbank offers several available methods.

Getting a world map online«]

The easiest way is to obtain a world debit card online on the Sberbank website. By following this link, you can fill out an application.
You will need to provide your full name, contact and passport details. After filling out the application, a manager will contact you shortly and explain further actions. Usually, the world card is received at the nearest bank branch at the client’s place of residence.
Please note: when applying online, you will not need to visit a Sberbank branch again. You will only come to receive a card. It is possible to deliver a bank card by courier service to the client’s home.

At the bank office«]
In order to order the issuance of a world bank card directly when visiting an office, you need to meet the standard requirements for bank card users who Sberbank presents for its clients:

• You must be 14 years old at the time of receipt.
• You must have permanent or temporary residence permit/registration on the territory of the Russian Federation.
• When visiting a bank office, you will need to present a document confirming your identity, fill out a form,

Additional requirements and tariffs can be found here.

How to top up or withdraw cash from a world card

The world bank card issued by Sberbank is serviced in all self-service devices and ATMs of this bank. A list of ATMs and payment terminals can be obtained from this link.

• You can deposit cash at any payment terminal or ATM if it has cash acceptance functionality.
• You can transfer money by bank transfer from any third-party bank account.

Typically, to make a payment, you must enter in the payment purpose such data as the client's full name, card number and account number for crediting funds.

• Replenishment is also available from any Sberbank debit card, namely using the “ ”, “ ” service, as well as any payment terminal or ATM.

Terms for crediting funds to the world card

Typically, funds on your card when topped up using any of the above methods will arrive no later than the next business day from the moment they are credited to your bank account.

• Another way to top up your Mir debit card- visit the Sberbank office and contact the manager.

To do this, you tell the bank employee your card number and show your passport. You can also provide the card account number and details of the bank that issued this card.

Opportunities and conditions for a world bank card

• Calling the Sberbank contact center
• Receive a cash flow report to your e-mail.
• Connect SMS notifications in the Mobile Banking service from Sberbank.
• Use the Sberbank Online service to generate a statement for any period you are interested in.

You all know that servicing debit and credit bank cards is quite expensive. As for the Mir bank card, Sberbank offers the following service conditions:

• You can activate the Autopayment service. This service is relevant for automating payments for housing and communal services, etc.
• The payment function is available in various online stores throughout the Russian Federation. The service is provided without 3D secure technologies/
• It is possible to connect Mobile Banking and Sberbank Online.
• Full functionality when servicing the world card at any ATM or payment terminal of Sberbank.
• Possibility to activate the Piggy Bank service.

You can find out about other features and capabilities of the world card, which state employees and when they are transferred to using this card

Advantages and disadvantages of a bank card world

Like most other services and banking products, the Mir card and the national payment system have their advantages and disadvantages.

• Quite low price for service. For example, the cost of servicing VISA or MASTERCard is higher. And sometimes it reaches up to 500 rubles per year, depending on the bank.
• Widely used everywhere: you can make payments via the Internet.
• Reliability of the card: Since this bank card was issued in Russia, the possibility of it being blocked by foreign payment systems is minimized.
• Interest-free transactions at terminals and ATMs of the issuing bank.

Currently, the World map is not widely distributed. Although more and more banks are connecting to the national payment system, only 3.5 million bank card data have been issued. But the situation may change significantly in the near future, because Sberbank alone plans to produce about 20 million units by 2020.

This concludes our review of the Mir bank card, issued by Sberbank and other financial organizations. If you have any questions or want to write a review, leave them in the comments. We will supplement this article with the most detailed of them.

I love learning everything new, interesting and unusual. And also - wrap yourself in a warm blanket, take hot cocoa and tell you about the latest in the financial market, hot stories from the offices of bank consultants and other interesting things.

Card production time

In Moscow, St. Petersburg, Novosibirsk, Yekaterinburg, Nizhny Novgorod and other large cities, the card will be ready in 2-3 working days; in the regions, production and delivery will take from 3 to 10 working days. Delivery to remote locations may take up to 15 business days. Exact dates are available.

When issuing a card, only working days are taken into account. If you order it on Friday evening, the production time will be counted from Monday.

You can see if the card is ready and when it will be delivered to the office in Sberbank Online in the “Cards” section.

What documents are required to receive a card?

To pick up the card, bring with you your passport or other document that was used to apply for the card. To receive a card for another person, you need a notarized power of attorney.

How to start receiving THANK YOU bonuses?

After receiving the card, you must register in the “Thank you from Sberbank” program. The easiest way to register: send an SMS to number 900 with the text THANK YOU 1234, where 1234 is the last four digits of the card number.
You can also register for the program in your Sberbank Online personal account and at a Sberbank ATM - find the “Thank you from Sberbank” section and follow the prompts.

Bonuses are awarded automatically when paying by card - their number depends on the level of privileges.

It should be remembered that bonuses are awarded only when paying for goods and services. This does not happen when withdrawing cash from ATMs. But when you pay for purchases remotely in online stores, bonus Thank You bonuses are credited to your account.

How can I use THANK YOU bonuses?

THANK YOU bonuses can be exchanged for discounts when purchasing goods and services from Partners; a full list of partners is available. In addition, THANK YOU bonuses can be exchanged for a discount when purchasing air tickets and hotel accommodations (on the website “Thank you from Sberbank. Travel”). Bonuses can also be exchanged for discounts when purchasing tickets to events - the service is available on the website “Thank you from Sberbank, Impressions”.

How can I find out my card details?

To find out the details, find the required card in the Sberbank Online mobile application and click “Show details”.

Another way: in your Sberbank Online personal account, go to the “Cards” section and find the card you need, then “Card information” → “Transfer details to the card account”.

Is it safe to use a contactless card?

Yes, the card is safe. It is always in the hands of the owner, so its data remains inaccessible to fraudsters. Making purchases without presenting a card or entering a PIN code is much safer, since no one sees the card data. In addition, contactless technology protects against double debits - after paying for a purchase, the terminal beeps and turns off automatically.